Talent is a complex subject: from the education our kids get in kindergarten and beyond to the re-skilling of some parts of the workforce; from the opportunities available for research to how we attract the best people to work in our companies.

I was pretty vocal about being anti-Brexit before the referendum vote.

Talent is a complex subject: from the education our kids get in kindergarten and beyond to the re-skilling of some parts of the workforce; from the opportunities available for research to how we attract the best people to work in our companies.

I was pretty vocal about being anti-Brexit before the referendum vote.

There's most definitely a Davos bubble. You're in a small Alpine town that, for just four days in January, sees its population tripled with world leaders, CEOs, media, police, the army... and a whole bunch of people who aren't invited but just come to hang out.

As technology progresses, I believe that fintech will fundamentally change finance.

The world is getting smaller thanks to technology.

The world is becoming more global. More than ever, people are proactively deciding where to live, where to study, where to work. Sometimes it's out of necessity, sometimes it's out of choice.

The technology is not an end in itself: it is a tool. It can make it easier for us to communicate or manage our finances. It can help us take care of our health or help policemen in their work. It can create jobs and boost growth. It can enhance transparency and accessibility to services.

Traditional consumer finance has been unfair for decades. Banks have had a monopoly on financial services and have been able to overcharge and underserve consumers.

Celebrity-spotting is pretty standard at Davos. It's one of the things that makes it easy to criticise.

When we talk about technology changing the world, we often hear about how it makes our lives easier, more connected, safer, or even healthier. They're all things we can easily identify with. The Internet makes our lives easier; services like Skype and WhatsApp allows us to be more connected - the examples are endless.

Competition and variety in financial services are always good things.

As consumers in general, and with Millennials in particular, we're getting used to everything being cheaper, faster, better - and banks aren't keeping up.

'Big' problems are overwhelming, but when we distil them down to their simplest forms, then the solutions become simple, too.

Maybe I think too highly of myself, but I think maybe sometimes I can give some good advice - sometimes bad advice, I'm sure - and I think that's a way of giving back.

As a consumer, I'm definitely waiting for what's going to come after banks.

Bitcoin and the whole discussion around it shows how big a need there is for innovation about what money is and how it is stored.

While in two very different sectors, both Skype and TransferWise were born out of frustration.

The growth of FinTech has been driven by adoption across age groups, but the demand from the millennial generation to innovate and think about financial services differently has been a catalyst for change.